KEEPING YOU INFORMED: COVID-19 information for residential customers & commercial borrowers
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Our residential call centre is experiencing higher than normal wait times.

If you are a residential customer experiencing financial hardship due to COVID-19 and need to request a mortgage payment deferral, please submit a payment deferral request through My Mortgage or fill out our online mortgage payment deferral request form.

If you are a commercial borrower experiencing financial hardship due to COVID-19, please email our Payments team at commercial.payments@firstnational.ca.

Be assured that we are committed to getting back to all of you who have contacted us.

Your patience is appreciated, and we thank you for your understanding.

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Refinancing your mortgage

Refinance your mortgage to free up funds for other priorities

Your home is a valuable asset, and you’ve invested significantly to build up your equity. Sometimes your stage of life or other financial priorities require that you unlock that equity. You can do that through refinancing.

Mortgage Payment Calculator

Predict your monthly mortgage costs by entering how much you want to borrow, the interest rate and the amortization. Submit and get an instant estimate.

Reasons to refinance

Refinancing is a great option for converting equity into much-needed funds. It is a secure loan with a lower interest rate compared to other personal loans. To explore your refinancing options, speak to your broker or a First National mortgage specialist at 1.888.670.2111 or email residential@firstnational.ca.

Consolidate debts

If you are currently managing multiple debts, you can simplify your monthly expenses by paying those off and focusing only on your mortgage payment.

Fund renovations

Dreaming of that new kitchen, backyard oasis or spa bathroom? You can increase the value of your home by accessing funds for renovations.

Support family

Your child may be heading off to university or your aging parent may require more sophisticated medical care. Refinancing affords you the freedom to take care of your family.

Bolster investments

Finance your future by redirecting your unlocked equity to investments for you or your family.

Easy, convenient mortgage management.

Track your mortgage details, review your mortgage account, manage your mortgage payments, update your mortgage account information and more – online, anywhere, at any time.

Log into My Mortgage

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